7118 Indiangrass Rd, Saint Cloud, FL 34773 Property Records

Osceola County property record for 7118 Indiangrass Rd, Saint Cloud, FL 34773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,760 sqft · built 2013
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on Record
Last Sale	$337,000 (May 2018)
Tax Bill	$8,777 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`128831`

Property Details

APN / Parcel Number

Primary APN	`128831`
Alternative APN	`302632267000010100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,760 sqft Heated Area
Gross Area	4,112 sqft
1st Floor Area	2,016 sqft
Upper Floors Area	744 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,930 sqft (0.205 acres)
Garage Type	Finished
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	420 sqft
Porch	Porch
Porch Area	460 sqft
Deck Area	526 sqft
Patio Area	189 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	128831
Street Address	7118 INDIANGRASS RD
City	SAINT CLOUD
State	FL
Zip	34773-6067
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BIRCHWOOD NEIGHBORHOOD D-1 PB 17 PGS 80-81 LOT 10
Legal Range	32E
Legal Township	26S
Legal Section	30
Legal Subdivision	HARMONY BIRCHWOOD NBC B C C2 D1
Legal Tract	2670
Legal Block	1
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	2
Census Block	2087
Census Tract	43801

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	7118 INDIANGRASS RD, SAINT CLOUD, FL 34773-6067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
May 24, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Mar 3, 2017	Warranty Deed, Transfer · VA Mortgage F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018 · Amount on Record
Deed Sale	May 24, 2018 · Amount on Record
Prior Sale	Mar 3, 2017 · Amount on Record
Deed Document Number	2018081928
Deed Book / Page	5339 / 1493
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7118 INDIANGRASS RD, SAINT CLOUD, FL 34773-6067
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7118 INDIANGRASS RD, SAINT CLOUD, FL 34773-6067

Mortgage

Document Number	0060502601
Date	Sep 24, 2021
Book Page	6050/2601
Instrument	2021148579

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 24, 2018
Property Address	7118 INDIANGRASS RD, HARMONY, FL 34773-6067
Document Number	0053391493
Book / Page	5339 / 1493
Map Reference	MB17 PG80&81
Instrument Date	May 21, 2018
Instrument	2018081928
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,359.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5408 1ST AVE W, 5408, BRADENTON, FL 34209-2634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7118 INDIAN GRASS RD, HARMONY, FL 34773-6067

Mortgage

Document Number	2018081929
Date	May 24, 2018
Instrument	2018081929

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 3, 2017
Property Address	7118 INDIANGRASS RD, HARMONY, FL 34773-6067
Document Number	0051110737
Book / Page	005111 / 000737
Instrument Date	Mar 1, 2017
Instrument	34080
Transaction Type	Transfer
Record Updated	Apr 10, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7118 INDIAN GRASS RD HARMONY FL 347736067, HARMONY, FL 34773-6067

Mortgage

Document Number	51110740
Date	Mar 3, 2017
Book Page	005111/000740
Instrument	34083

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,777.00 (+5.56%) Homeowner's exemption Disabled Person's exemption	$365,906 (+5.99%)	$514,100 (+4.47%) Land $80,000 Building $434,100
2023	$8,315.00 (+4.6%) Homeowner's exemption Disabled Person's exemption	$345,237 (+3%)	$492,100 (+9.4%) Land $70,000 Building $422,100
2022	$7,949.00 Homeowner's exemption Disabled Person's exemption	$335,182	$449,800 Land $65,000 Building $384,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 64 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	64 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 48% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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